Tag: commercial insurance

22 Sep 2016
Get Enough Workers' Compensation Coverage for Your Business

Do You Know Your Risk? Get Enough Workers’ Compensation Coverage for Your Business

Learn how to determine how much workers’ compensation coverage you need.

Workplace accidents aren’t uncommon. From a slippery floor to carpal tunnel, there are lots of ways in which workplace injuries are developed.  Don’t let your office be vulnerable to injuries. Take the necessary precautions and invest in workers’ compensation insurance. However, in order to give your business and your employees the right protection, you need to determine, how much coverage that you need. Learn how to evaluate your workers’ compensation risk so that you can get adequate coverage.

Don’t Discount Your Risks.

When you think of workplace injuries, you generally think of jobs that require heavy lifting. You think of warehouse workers to construction workers. However, workplace injuries can happen to anyone and everyone. From back pain and carpal tunnel to tripping over an extension cord, there are lots of ways in which you can get hurt on any job. Don’t underestimate your business. Take into account all the possibilities so that you don’t skimp on coverage.

Workers’ Compensation Class.               

Insurance is largely based on risk. While every industry has its risks, some aren’t as risky as others. For example, a construction worker has a greater risk than a marketing executive when it comes to getting hurt on the job. Insurance agencies take these risks into account when helping you determine how much coverage your business needs. Insurance agencies have predetermined policies that give you certain coverages based on your industry risks. Check your company’s workers’ compensation class codes so that you can rest easy knowing that you have the right coverage.

Even with all your precautionary policies and procedures, workers’ compensation insurance is a must. Get the coverage that you need so that you’re well protected. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial insurance needs.